Mobile Service Savings - How to Cut Money from Your Monthly Bill

Most of us nowadays get monthly mobile phone bills. If you're on a mobile contract, your bills will start to add up over time. And with so many of us trying to save money, it makes sense that we should try and get the best deals that we can on mobile service. Today we're looking at tips that will help you save money on those monthly bills. So, if you've got a phone and think that you might be paying too much, then read on to find out how you could be saving.

Sign SIM Only Not Incentive Contracts...

One of the worst financial decisions that many people make when signing a mobile contract is signing up for an incentive contract rather than a SIM only contract. Both of these contracts off you a calling plan and a SIM card, but an incentive plan also give you a mobile hand set. These deals are tempting, because you get to walk out of the store with a new phone in your hand. However, they're also a lot more expensive than you probably think. Compare the monthly payment for an incentive contract with the monthly payment for a SIM only contract that has the same calling plan. That difference in the numbers is how much you're paying per month for that phone. Then multiply that difference by the number of months that are in your contract. That's the complete price that you're paying for the phone. Now compare that price to the actual retail cost of the phone, and you'll see just how much more you're paying for a phone than you would be if you just bought the phone up front. SIM contracts are far better long term financial deals than incentive contracts are, so if you can, sign up for SIM only.

Check Out 3 Mobile Deals for Data Plans...

If you're a big mobile data user, then you need to check out 3 mobile deals. Data is by far the most expensive part of a mobile service calling plan, so it's the part of the plan that you should look at most carefully. There are a couple of advantages to going with 3 mobile deals for your operator if you're into data. The first is that 3 offers by far the lowest prices on mobile data. The second good reason is that 3 does not employ a fair usage policy. Many mobile operators advertise unlimited internet packages, but then in the fine print state that they have a fair usage policy. This policy basically lets the company slow down your internet speeds if they think you're using too much data. With 3 however, you get a truly unlimited data package so you really can use as much as you want.

Choose the Correct Calling Plan...

By far the biggest way that most people waste money on their mobile bills is by having the wrong calling plan. Every contract comes with a calling plan that gives you a monthly limit for the amount of calling minutes, text messages and data that you can use for a fixed monthly fee. But, you pay the same monthly fee if you use all your minutes, texts and data, or if you use none of them. That means that by choosing a package that's too big, you're going to be paying for things that you're not using. Don't let that tempt you into signing the smallest possible package though, since that's not a great financial decision either. If you go over the monthly limits of your contract you'll be charged hefty extra fees for using extra services, so a plan that's too small is going to mean that you get lots of extra fees on top of your monthly bill. Choose your calling plan wisely and carefully to make sure that it really reflects what you need out of a plan.

Look at T-Mobile if You're a Heavy Phone User...

If you're one of those people that's never far away from their phone, and who regularly racks up huge monthly bills, then you might want to have a look at T-Mobile. Right now, T-Mobile has the best and cheapest plan on the market for big phone users. The Full Monty plan is a completely unlimited plan. That means unlimited calling minutes, unlimited text messages and unlimited data- although T-Mobile does employ a fair usage policy. And you get all this for just £26 per month. If you're a true heavy phone user then this is the perfect plan for you, and it should save you a ton on your monthly phone bills.

Don't Have Roaming Plans...

If you're often travelling abroad, those mobile roaming charges are going to add plenty of money onto your monthly bills. Roaming just really isn't a great idea at all. Roaming charges are far more expensive than regular mobile charges within the UK are. If you travel abroad often enough to warrant it, then think about investing in a pay as you go SIM card from a local provider, it will save you plenty. And if you're worried about not having your UK SIM available to receive messages, then get yourself a dual SIM mobile. Dual SIM devices are much cheaper and better than they used to be, and it means that you can run both SIM cards at the same time. If you're just going on holiday, then seriously consider leaving your mobile at home, that way you won't be tempted to risk getting any of those expensive roaming charges.

Think About Pay as You Go for Light Users...

If you're a light phone user, you should almost definitely have a pay as you go plan rather than a contract. Because contracts tend to have higher monthly limits that let users get nowhere close to using up, they're not a great idea. Pay as you go on the other hand will mean that you're only paying for services that you're actually using.